President Trump: The NEW one and only politics thread

As a healthy 45-year old man, let's say you let your health insurance lapse or couldn't afford it anymore or stopped covering yourself for any variety of reasons. ... and found out you have cancer. The expectation that you could just start paying premiums again and an "insurance pool" would cover the cost of it is an absurd expectation. UNLESS you consider your subsidization of the cost of your care an entitlement of some sort. And again, then we aren't having an INSURANCE conversation. That is just NOT how insurance works. Insurance covers relatively low-probability events by spreading out the costs across a pool of people who want to insure themselves. The notion that you can insure people AFTER the insurable event occurs,. ... and worse, given the conversations we have in this country, somehow make it cost less than it actually does by spreading it across a pool of people, while not driving up premiums on everyone, is mind boggling It's the fuzziest kind of math possible and it has created a predictable mess.

You turn those "low probability" events into "certain" events. ... anyone who needs medical care just steps right in AFTER the event and its covered.
. ... On top of it, unless you compel people to subsidize others whether they want to or not, you not only took it out of the realm of insurance by making it into an entitlement, you are forcing the people who make insuring themselves a priority to bear all of the cost for those who didn't.

Same thing with your car insurance by the way. Yes, you pay premiums to insure a relatively low risk event that could potentially be very costly. That is insurance in a nutshell. If you suggested to me that you should be able to not carry car insurance, then have an accident, and buy a policy after the fact to cover the accident, but don't worry, the cost will be spread over "an insurance pool," I'd have the same conversation. Insurance can't work that way.